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Mortgage Loan Underwriter - Bloomington, MN

Employer
Wintrust
Location
Minneapolis
Salary
Competitive

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Wintrust Mortgage was created to assist in the realization of the American dream of home ownership. Since its founding in 1981, Wintrust Mortgage has weathered the ever-changing real estate market. As a full service federally chartered lender with offices located across the country, Wintrust Mortgage is dedicated to providing customers with a wide range of mortgage products. To complement the basic Conventional, FHA and VA Programs, Wintrust Mortgage is positioned to meet the needs of the continually evolving mortgage market. Wintrust Mortgage is a part of Wintrust Financial Corporation, a well-capitalized, diverse, financial services company with assets above $30 billion. Underwrites loans to determine acceptable compliance with relevant agency, investor and internal guidelines and lending authority limit.Underwrites appraisals for all loan types.Provides all follow- up in terms of conditions of initial approval, suspension or decline for all files underwritten and determines acceptability of items received.Maintains maximum 48 hours turn time on all new files, resubmissions and conditions.Ensures all loans underwritten will be eligible for sale to end investor and insured by appropriate government agency with adherence to guidelines and statutory limits.Ensures all loans meet program requirements for program selected.Responsible for support and utilization of pipeline management.Clears High Impact Alerts in fraud detection tool and reviews processing cleared items to insure misrepresentation risk is mitigated for all loans.May order mortgage insurance when applicable. Validates all AUS findings in submissions to determine all findings are met.Obtains second signature from management for all loans exceeding lending authority.Ongoing education and training to stay current with market trends, changing guidelines and requirements. LOS data entry to provide minimum fields needed for proper reporting for data for HMDA, and other reporting.Works directly with Loan Originators, LOA's and Processors.Return of all phone calls and emails in a timely fashionOther mortgage operations duties as need arises.This is a non-exempt position, periodic work will be performed outside regular business hours as volume dictates and to maintain required turn times. Minimum 3 years current underwriting experience High school diploma or equivalent Attention to detail and accuracy is a must Ability to manage multiple tasks Strong organizational skills Excellent verbal and written communication skills FHA DE/CHUMS and/or VA/SAR designations a plus Jumbo/Non-conforming underwriting experience a plusWe provide an engaging, dynamic work environment, an excellent compensation package including 401k, employee stock purchase plan, medical/dental, life insurance and more! Indeed users, please forward resume to: . Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, citizenship status, sex, sexual orientation, gender identity and expressions, genetic information, marital status, age, disability, or status as a covered veteran. We request applicants refrain from disclosing current or historical compensation information during the recruitment process; any disclosed detail will not be taken into account as applicants are considered for employment.

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